Performance Optimization

in approval rates of our enterprise merchants.

in chargeback rates of our enterprise merchants.

due to cash voucher UX redesign according to user behavior.

EBANX performance benefits

EBANX can act on business rules, fraud prevention and acquiring/issuer routing for the best balance in approval and risk management.

Based on EBANX leadership in cross-border payments, our model finds the best acquirer for each transaction in an automated way.

We measure deviations on a real-time, daily, weekly and monthly basis to ensure we course correct and improve approvals.

The best practices in payments in rising markets on payment methods, UX, recurring payment dates, card updates, and AB testing.

We continuously meet with acquirers, issuers, and schemes to proactively manage and build confidence in our merchants.

Our weekly updated model, fed by multiple data entrees, supports our results in superior payments performance.

Issuing bank and the type of card within the bank.

The size of the order being processed (variable or static).

Acquirers tend to have higher approvals on specific card brands.

Recurring, Installments, CVV, Frequency.

Retries in response codes to optimize approvals.

EBANX identified that a top gaming merchant's retry logic could be improved for customers with non-sufficient funds, a very common rejection reason in Brazil.
Implementing a card verify process immediately increased approval rates by 3%.
The merchant approval rate per unique user is outperforming similarly benchmarked merchants by ~7%.

EBANX analyzed the free trial abuse with digital cards for a major streaming merchant. This negative behavior would provide an extended freemium period, impacting the merchant's conversion and revenue stream.
User ID and device fingerprint were implemented and tailored fraud reports are sent twice a week, preventing fraudulent behavior. As a result, there was a 0.2 to 0.5 reduction in chargebacks per month, in a span of 24 months.